Ngokophando lwakutsha nje olwenziwe yiGlobalWebIndex, kwihlabathi liphela, abantu abadala aba-4 kwabali-10 kwi-Intanethi sele bezisebenzisile izixhobo zabo ukuhlawulela iimpahla kunye neenkonzo. Nangona kunjalo, idatha yahlukile ngokweprofayile yendawo yokuhlala: Iipesenti ezingama-43 zabathengi abaphakathi kweminyaka eli-16 nengama-34 ubudala sele beyenzile intlawulo yokuhamba, inani eliyehla laya kuma-26% kwabo baphakathi kweminyaka engama-55 nengama-64 ubudala. Akukho mahluko ubonakalayo phakathi kwabantu besini esahlukileyo, kodwa isifundo sifumanise ukuba abo bahlawula ngeefowuni eziphathwayo bahlala bengabantu abanenqanaba lemfundo kwaye umvuzo omkhulu.
Kodwa kwenziwa njani oku? Okwexeshana ngoku, amakhadi etyala afake inkqubo yokuhlawula ngaphandle konxibelelwano, ekuvumela ukuba uhlawule ngaphandle kokufaka ikhadi, kodwa ngokuyisondeza kwisiphelo. Ukwenza oku, basebenzisa i-chip ye-RFID eyabelweyo ekwabelana ngolwazi xa ivuselelwa ngamandla asezantsi amandla e-electromagnetic ukusuka kwinkqubo yokugunyazisa egunyazisiweyo. Ewe, obu buchwephesha kunye ne-NFC (kufutshane noNxibelelwano lweeNdawo, okanye unxibelelwano lwentsimi), ezibandakanya uninzi lwee-smartphones, ngokufanayo ziyahluka, umahluko wokuba inkqubo yeNFC edityaniswe kwiifowuni iyasebenza. Ngamanye amagama, i-chip ye-smartphone ivelisa eyayo intsimi ye-electromagnetic, enokuthi iphendule (okanye hayi) kwisicelo sokuhlawulwa kwedatha.
Ukongeza kwifowuni ene-NFC, kuya kubakho nezinye izinto ezimbini eziyimfuneko: ukuba isiseko sinenkqubo yentlawulo ehambelana nefayile ye- Itekhnoloji engenakunxibelelana, kunye nokuba ifowuni inayo usetyenziso olufakelweyo eneenkcukacha zebhanki ezidluliswayo xa kusenziwa intlawulo. Ezi zicelo zezona ziqulathe "ikopi yedijithali" yekhadi letyala, jonga ubunyani kunye nokhuseleko lwentengiselwano, kwaye ukuba yonke into ichanekile, gunyazisa intlawulo yokuthenga.
Izicelo: Google Pay
Ezinye zezicelo ezininzi ezinokusetyenziselwa ukuhlawula kwiifowuni eziphathwayo sele zifumaneka kumaziko okuthenga ngetyala. Ngeenkqubo kwezinye iimeko zintsha ngokwenene ezize kuhlala kweli candelo. Umzekelo, kwezi meko zilandelayo siziveze apha ngezantsi:
Google Pay
Ngaphambili yaziwa ngokuba yi-Android Pay, uGoogle Pay yindlela yokuhlawula eselfowuni eyenzelwe iifowuni ze-Android, kodwa iyahambelana nezixhobo zeApple. Ukongeza, inenkxaso ebanzi yeebhanki kunye neendidi ezahlukeneyo zamakhadi, eyenza ukuba ibe yenye yeenkqubo ezithandwayo.
Apple Pay
Kodwa ngokwendalo, iApple ikwanayo nenkqubo yayo: I-Apple Pay yinkqubo yokuhlawula eshukumayo eyenzelwe izixhobo zayo eqala nge-iPhone 6, kwaye yenzelwe bobabini ukuhlawulela ukuthengwa kwezinto ezibonakalayo ngee-terminals zokuhlawula ngaphandle konxibelelwano, kunye nokuthengwa kwi-Intanethi kwiivenkile ezithile . Enye into ebalulekileyo kukuba iApple Pay ayikuvumeli ukuba uhlawule kwi-iPhone, kodwa nakwiMac, kwi-iPad nakwi-Apple Watch.
Ukuhlawulwa kweCaixaBank
Okokugqibela, kwimeko yeCaixaBank, iCaixaBank Pay ibonelela ngayo yonke imisebenzi eyimfuneko yokusebenza nekhadi okanye ityala lamakhadi, kunye namakhadi eVISA avela kwezinye iibhanki. Ukwahlula kwayo kukuba ayivumeli kuphela intlawulo ukuba i-smartphone ine-NFC: kwimeko apho ingafumanekiyo, i-CaixaBank inokubonelela ngelebheli encanyathiselwe ngasemva kwiselfowuni, eya kusebenza ngokufanayo nekhadi eliqhelekileyo xa usondela kwisiphelo sentlawulo ngaphandle konxibelelwano. Ukongeza, i-CaixaBank Pay ikuvumela ukuba urhoxe imali kwii-ATM zeCaixaBank ezixhotyiswe ngumfundi ongenakunxibelelana naye.
Ukukhuthaza olu hlobo lweentlawulo, iCaixaBank iqalise inyathelo elingenaCashless kwi2018, esele yenziwe eMorella nasePamplona. Kwezi ndawo, iqumrhu lakhuthaza, ngokusebenzisa iibhonasi ezahlukeneyo, ukusetyenziswa kweefowuni eziphathwayo, amakhadi kunye nezixhobo ezinxitywayo ukuhlawula ezivenkileni zabemi. Ngale ndlela, abemi babenakho ukusebenzisa indlela yabo yedijithali yokuhlawula-ngaphandle kweziko labo lezemali ekubhekiswa kulo-kuthengiso lwabo lwemihla ngemihla.
Kukho ezinye iiprojekthi zexesha elizayo, ezinjenge-Facebook Pay, inkqubo yokuhlawula enokuthi isetyenziswe kwi-Messenger, Instagram, WhatsApp kunye, ewe, nakuFacebook. Ukuvavanywa kobuso ukuHlawula kuyenziwa, oko kukuthi, iinkqubo zokuhlawula zisebenzisa ukubonwa kobuso. Kodwa okwangoku, lo ngumxholo welinye inqaku.
Isebenza njani iHal Cash?
Ngeentlawulo okanye ugqithiselo lwabantu olunenombolo yeakhawunti ongayaziyo. Kukwalungele ukuthengwa kwe-Intanethi (asiyithumeli imali de siyifumane imveliso).
Kulungile kwaye kulula ukuyisebenzisa. Le nkonzo iyafumaneka kwiKhompyuter yakho, kwisixhobo sakho esiphathwayo, kwinkonzo yeBhanki yokuFowunela ezenzekelayo okanye kwiiofisi zethu.
Landela nje la manyathelo alula:
- Chaza inombolo yomnxeba yomamkeli.
- Phawula uphawu lwe ubani ufuna ukudlulisa phakathi kwe-10 euro kunye nee-euro ezingama-600.
- Nika enye password Amanani ama-4 (nantoni na oyifunayo).
- Ukubiza kumamkeli ukuze amnike isitshixo semfihlo.
- Umamkeli ufumana iSMS kwiHal Cash (217128) ebonisa isixa sothumelo kunye negama lokugqitha lesibini oza kuya kulo kwiATM.
- KwiATM: Kuya kufuneka ucofe inombolo eshukumayo, isixa kunye namaqhosha amabini. Sele unayo imali!
Apho, ekugqibeleni, umamkeli unomda weentsuku ezili-10, ukusuka kumhla wokuthunyelwa, ukurhola imali. Ukuba imali ayirhoxiswanga ngenxa yaso nasiphi na isizathu, qiniseka ukuba uyayibuyisa imali yakho kuba imali ibuyiselwe kwiakhawunti yakho yokutshekisha.
Izibonelelo zakho kubasebenzisi
Ewe, ezi ndlela zokuhlawula zintsha kukuyila into entsha yetyala yokutyela, ukubhukishwa kwenqwelomoya okanye ukumisela ngokusemthethweni naluphi na uhlobo lobhaliso lwedijithali. Ukusuka kule nyani, mininzi kwaye yahlukahlukene iminikelo enokuthi iveliswe ngale ndlela yokuhlawula, ngokukodwa njengoko ibalulekile. Umzekelo, ngala manyathelo alandelayo esiwachazayo apha ngezantsi.
Ilungelelaniswe neendlela ezintsha zokusetyenziswa kwedijithali ngeendlela ezahlukeneyo ezinokuhlangabezana neemfuno zabasebenzisi. Akukho nkqubo yodwa kunye neyodwa, kodwa ngokuchaseneyo, iboniswe ngokuvulekileyo kwaye, ngaphezu kwako konke, isibonelelo esahlukileyo.
Obona buchwephesha bokunxibelelana buhambele phambili busetyenziswa ukuze iinkonzo ezizezona zilungileyo zinokubonelelwa kubathengi kwaye bakwazi ukusebenzisa ezi ndlela zokuhlawula kwiimeko ezahlukeneyo. Kodwa ngaphezulu kwako konke ngoncedo olukhulu ekuthengeni okwenziwe kwiivenkile okanye kwiivenkile ezikwi-Intanethi.
Bavumela ukufumaneka okukhulu kweentlawulo kunye nokubanakho ukuhamba ngaphandle kwemali ebonakalayo kuzo zonke iindawo. Ayothusi into yokuba le yinkqubo yokuhlawula eyamkelweyo kumaziko amaninzi orhwebo kwihlabathi liphela. Ngokwandiswa okucacileyo okuba yinzuzo kubo bonke abaphetheyo.
Sisisombululo kula maxesha apho singenakho, kuyo nayiphi na imeko, imali ezinkozo kwaye kufuneka senze intlawulo ngokungxamisekileyo. Ngayiphi na imeko, yinkqubo ekhulayo ngokweemfuno zabasebenzisi ngokwabo.
Kwaye okokugqibela, asinakulibala ukuba ezona ndlela zintsha zokuhlawula likamva kubudlelwane bethu nehlabathi lemali. Apho kuya kufuneka kuphela ukuba neakhawunti yokonga ikhontrakthi kunye neziko lamatyala elinoxanduva lokuthengisa le mveliso ikhethekileyo yezemali.
Iindidi zamatikiti exesha ngale ndlela yentlawulo
Kuzo zonke iimeko, oku kuthetha ukuba intlawulo iluncedo kakhulu kuthotho lweemeko esiza kuziveza apha ngezantsi. Ke ngale ndlela, abasebenzisi ngokwabo banokucaca ngakumbi malunga nokusetyenziswa kwayo kwaye bayisebenzisa phi. Iya kuba yeyona ndlela ilungileyo yokwandisa le nkqubo yentlawulo kuyo nayiphi na imeko. Umzekelo, kwezi meko:
Xa usenza nakuphi na ukubhukisha kwendalo yokhenketho (ezothutho, indawo yokuhlala, iiphakheji zekhefu, njl.
Kuzo zonke iintlobo zokuhlawulwa kwintengo yedijithali ethathwe kwiivenkile ezikwi-Intanethi okanye kumashishini. Ukuya kwinqanaba lokuba inokuba kuphela kwenkqubo eyamkelweyo kule klasi yemisebenzi yorhwebo, yenye yeenkqubo ezixhaphakileyo kweli candelo lokusetyenziswa.
Ukwenza uthotho lwemisebenzi yorhwebo ngokwesiko kwiivenkile ezibonakalayo eziye zaqhelana nale nkqubo intsha kakhulu kwaye esele ixhaphakile phakathi kwabasebenzisi abohlukeneyo. Ukuza kuthi ga kwinqanaba lokuba lisasazekile kwinxalenye elungileyo yeentshukumo zokunikwa kwengxelo kuzo zonke iindawo zehlabathi.
Njengoko uza kuba nakho ukuqinisekisa, le nkqubo sithethe ngayo kweli nqaku iyanda kwaye inyuka unyaka nonyaka. Ngale ndlela, asinakulibala ukuba olona luntu lutsha lolona lusebenzisekayo ekusebenziseni kwayo ukusukela ngoku. Ingakumbi ezo zinxibelelene ngakumbi kulwazi olutsha kunye neetekhnoloji zonxibelelwano. Apho ukusebenziseka yenye yezimpawu zayo eziphambili xa kuthelekiswa nezinye iimodeli zokuhlawula ezahlukeneyo. Kwaye kungenjalo.